Before buying OSAGO (ОСАГО) car insurance in Russia, check whether the insurer is legally allowed to issue the policy. Official registers are more useful for this first check than advertisements or an anonymous review score.
Russia has no official ranking of the “most reliable OSAGO insurers”. An active licence and membership in RAMI (РСА) confirm that a company may operate in the OSAGO market. They do not guarantee identical claims service, repairs or customer support.
How to check an OSAGO insurance company
1. Search the Bank of Russia register
Open the Bank of Russia service “Check a financial market participant”. You may search by the insurer’s Russian legal name, tax number (ИНН), company registration number (ОГРН) or licence number.
Check the following details in the result:
- the full legal name and tax number;
- an active right to conduct insurance business;
- the permitted type of insurance;
- the official website and contact details.
Do not pay if the company cannot be found or its right to operate is marked as inactive.
2. Check active RAMI (РСА) membership
An OSAGO insurer must belong to the Russian Association of Motor Insurers, usually shown in Russian as РСА. RAMI publishes an official list of active members with licence numbers, tax numbers, addresses and websites.
RAMI also publishes a separate list of insurers whose OSAGO licences have been suspended, restricted or terminated. Check the current status immediately before payment because it can change.
3. Confirm that the website is genuine
Compare the website domain with the address shown by the Bank of Russia or RAMI. Avoid payment links received through an unknown advertisement, messenger account or email.
List of OSAGO insurance companies in Russia
The companies below appeared in the RAMI active-members list on the date this article was checked. They are listed alphabetically. This is a practical reference, not a ranking or an endorsement.
AlfaStrakhovanie (АльфаСтрахование)
AO AlfaStrakhovanie, OSAGO licence ОС № 2239-03. Official website.
VSK (ВСК)
SAO VSK, OSAGO licence ОС № 0621-03. Official website.
Ingosstrakh (Ингосстрах)
SPAO Ingosstrakh, OSAGO licence ОС № 0928-03. Official website.
MAKS (МАКС)
AO MAKS, OSAGO licence ОС № 1427-03. Official website.
Renaissance Insurance (Ренессанс Страхование)
PAO Gruppa Renessans Strakhovanie, OSAGO licence ОС № 1284-03. Official website.
RESO-Garantiya (РЕСО-Гарантия)
SAO RESO-Garantiya, OSAGO licence ОС № 1209-03. Official website.
Rosgosstrakh (Росгосстрах)
PAO SK Rosgosstrakh, OSAGO licence ОС № 0001-03. Official website.
SberStrakhovanie (СберСтрахование)
OOO SK Sberbank strakhovanie, OSAGO licence ОС № 4331-03. Official website.
Sovcombank Insurance (Совкомбанк Страхование)
AO Sovcombank strakhovanie, OSAGO licence ОС № 1675-03. Official website.
SOGAZ (СОГАЗ)
AO SOGAZ, OSAGO licence ОС № 1208-03. Official website.
Soglasie (Согласие)
OOO SK Soglasie, OSAGO licence ОС № 1307-03. Official website.
T-Insurance (Т-Страхование)
AO T-Strakhovanie, OSAGO licence ОС № 0191-03. Official website.
Yugoria (Югория)
AO GSK Yugoria, OSAGO licence ОС № 3211-03. Official website.
How to choose between authorised insurers
Once the official checks are complete, compare the points that affect your experience:
- Policy price. OSAGO coefficients are regulated, but each insurer chooses its base rate within the permitted tariff corridor. Quotes can therefore differ.
- Claims service in your region. Check local claims offices, repair facilities, online document submission and available languages.
- Help after a collision. Look for a 24-hour telephone number and clear accident instructions.
- Policy corrections. Find out whether errors can be corrected online and how support handles foreign documents or names.
- Policy verification. After purchase, verify the policy through the official NSIS (НСИС) service.
Reviews are only an additional signal. Prefer recent, detailed reports from your region over an unexplained overall score.
What “reliable” means for an OSAGO insurer
A sensible minimum is an active right to issue OSAGO, current RAMI membership and a verified official sales channel. Claims access, support quality and clear procedures then help distinguish between authorised companies.
totalosago.ru receives no commission from the companies listed here, does not sell insurance and does not name a winner. Check the insurer’s current status in the Bank of Russia register again before buying.